so no default notice yet then nor statements
and that's the usual stuff they trot out as a CCA.
interested in this BNPF issue.
are you indicating that as you were late one month they automictically added the interest on as a penalty when infact you were still within the free int period?
its not a full hearing and that might never happen.
the main issue here is outlined in post 63.
and ofcourse you knowing about this or that is immaterial to that fact.
I would simply refer too and inc say 2 exhibits that prove the location issue.
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!